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Pet Insurance With a Low Excess

A pet insurance policy could help you to pay for any potentially expensive vet’s bills that may be incurred as a result of an unfortunate accident or illness that may befall your pet.  When considering the fact that, on average, emergency veterinary treatment costs around £300, holding a pet insurance policy with a low excess could save you a significant amount of money.


If you are looking to purchase pet insurance with a low excess, it's advisable that you take the time to shop around and compare pet insurance quotes from several providers in order to find the most suitable pet insurance policy for your animal. Our pet insurance comparison tables below contain details of several different providers that could offer you competitively priced pet insurance quotes:

Compare Pet Insurance Quotes
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10Independent & Unbiased Quote Service - Search over 10 Pet Insurance Providers - Buy OnlineMore Info >

It is important to remember that in purchasing pet insurance with a low excess, you may be expected to pay more for your monthly premiums.  Furthermore, if your pet is over a certain age (usually 8, but this can vary among providers) or has pre-existing conditions, you may find it harder to find a pet insurance policy with low excess.


The following factors can all affect the price of pet insurance and the amount of excess you may be required to pay:

  • The age of your pet
  • The breed of your pet
  • Your pet’s previous medical history
  • Your location


As you compare pet insurance quotes, you may come across the following different types of policy:

  • Time-limited policies
    Covers you for up to a certain amount per condition for up to 12 months per condition, after which the condition would be excluded.
  • Maximum benefit policies
    Covers conditions up to a maximum amount; there is no limit on how long you can claim for a particular condition, but a limit to the amount of claims on the policy as a whole.
  • Covered for life policies
    Covers veterinary fees for up to a certain amount each year, which renews every year.


Our Top Picks
ProviderOnline DiscountMax Vet Fees CoveredAdditional Features 
10%Up to £6,500 (platinum cover)Vet fees for illness and injury. Third party liability – up to £1 million for dogs, Boarding kennel or cattery fees – up for £1,000 if you have to go into hospital for 48 hours or longer (Platinum cover only). Includes access to Pet Legal and Find a Vet helplines.Get Quotes >
15% multi-petUp to £15,000Rated 5 stars by over 4,000 customers. Choose from £3,000 to £15,000 vet fees cover/year. Zero excess available. Clear and simple policy document. UK based help teams. Easy claim process with no forms to fill. 15% multi-pet discountGet Quotes >
N/aUp to £8,0005 Star Defaqto insurance. Family approach to insurance for cats and dogs in a straightforward, easy to understand way. Multi-pet cover available without the need to have more than one policy. UK customer and claims service provides expert veterinary information and advice 24/7/365. Unlike many other pet insurers, no coinsurance or co-payment to add to your excess. Get Quotes >
Intro Discount
up to £4,00045% Introductory Discount. With multi-pet cover you can mix and match Standard or Lifetime policies too - there's even a 10% multi-pet discount when you insure more than one pet.Compare pet insurance plans online and discover which level of cover best suits your needs. We love pets and we love great value!Get Quotes >
Save up to £100 a year by switching to ASDAUp to £7,500Great value Pet Insurance. 3 choices of Lifetime cover for vet's fees up to £2,000, £4,000 and £7,500, reinstated annually and with ongoing conditions insured for life. Also 12 month Standard and Value cover availabale, and Accident Only. 24 hour vet helplineGet Quotes >
20%Up to £12,000Dog and Cat Cover - No upper age limit - Long term cover so you claim for conditions like arthritis. Vet fees paid directly - Cover for loss or theft - Vetfone is a 24 hour service offering expert advice and support about anything to do with your pets.Get Quotes >
10%Up to £8,000 per yearCover from £6.29 per month. 5* Defaqto Rated Pet Insurance. Buying Pet Insurance from PDSA means you're supporting the UK's leading veterinary charity. Pay monthly at no extra cost, we can pay your vet direct (subject to availability), access a range of pet helplinesGet Quotes >
10%Up to £14,000 per yearDog, Cat and Rabbit Cover - Petplan offers genuine Covered for Life pet insurance. Multi-Pet Discount (£12 a year per pet)90% of claims settled within 5 days - Get Quotes >
10%£7,000Prices from £4.09 for cats and £7.58 for dogs. Three levels of cover to choose from. £1,000,000 third party liability cover for dogs.Get Quotes >